In the context of the global population aging, pension issue has become highly important and pressing national concerns. Therefore, to further improve and perfect pension system, especially for the pension insurance system, has a very important social value. From the following aspects of old-age insurance personal accounts actuarial model: The first, deduced fixed interest rate, monthly payment of personal accounts pension actuarial model; the second, taking into account the impact of different factors on interest rates, constructed in the form of joint modeling standard Wiener process and Poisson process personal accounts pension actuarial model formula is derived.